Mortgage Disclosure Desk Specialist

About the role

Sunflower Bank, N.A., founded in 1892, is a full-service financial institution committed to serving communities and supporting team members. The bank offers a full range of relationship-focused services for personal, business, and wealth-management financial objectives. This full-time Mortgage Disclosure Desk Specialist position is based in Spokane, WA, with hybrid and fully remote options available.

Responsibilities

• Send accurate disclosures within regulated timeframes
• Monitor Disclosure Pipeline and reporting for required TRID/ECOA/RESPA disclosures
• Communicate with MLO and Production Partner (LOA) to ensure delivery of disclosures within regulations
• Send electronic disclosures to clients who have elected electronic delivery
• Mail disclosures to applicants who have opted out of electronic disclosures
• Review file disclosures for completeness and accuracy before sending
• Work with Ellie Mae Encompass to disclose loans electronically or print disclosures for mail delivery
• Monitor centralized Disclosure Desk emails for questions
• Monitor Change of Circumstance (COC) emails for needed disclosures including lock-in disclosures
• Review all lock confirms to ensure loans are re-disclosed properly within time frames
• Review all changes to determine whether revised TRID Disclosures (Loan Estimate and COC Disclosure) are necessary due to valid COC
• Review all calculated fees for each change in circumstance (Loan Amount Increase)
• Issue revised disclosures to customer due to any change in circumstances required
• Document COC in all files

Requirements

• Bachelor’s degree with major coursework in a related discipline preferred but not required
• 1 or more years of directly related experience and training
• Direct experience with Ellie Mae Encompass preferred
• Common knowledge and experience with residential mortgage lending and the following loan types:
  • Conventional/Conforming
  • FHA (HUD)
  • VA (Dept. of Veterans Affairs)
  • USDA (Rural Development)
• Familiarity with and knowledge of regulatory governance concerning:
  • Universal Residential Loan Application (URLA)
  • TILA/RESPA Integrated Disclosures (TRID)
  • Equal Credit Opportunity Act (ECOA)
  • Real Estate Settlement Procedures Act (RESPA)

Pay

Hourly rate: $26.00 – $28.00 per hour, depending on knowledge, skills, abilities, experience, and location.

Benefits

• 401(k) Plan with 6% match
• Health, dental, and vision insurance
• Company-paid life insurance
• Tuition reimbursement
• Fitness reimbursement
• Paid time off
• Volunteer leave
• Paid holidays
• Plus many more associate perks and incentives

Working conditions

The physical demands require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus.